Looking for information on leasing or purchasing a BMW X5?
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Below are some recent X5 deals shared by our users.
User Deal #1 M50i:
User Deal #2 xDrive50e M-Sport:
User Deal #3 - xDrive40i M-Sport
See our Marketplace for offers from brokers.
MSRP $97,375
$90,558.75 (7% off msrp)
36 months
15,000 miles
only money due at signing is 1st month $1564.21
5.5% tax rate
49% residual
$1,500 loyalty rebate
Money Factory .=0.00216 (i think actual MF is .00165 or .00175 sales manager tried to play the you know money factor went up last month)
i asked for 10% off msrp he counted with 7. i think i could maybe squeeze 1-2% more off the msrp but would i be better off trying to negiotiate the money factor? looks like their trying to make $2144-$2667 off the money factor alone.
I donāt know about everything else, but 7% seems low
Is this really worth two x5 40s? You can only put lipstick on this pig especially when you need 15k miles.
Tbh Iād probably finance this instead of leasing it.
I sent you a few examples to look over but truth be told thatās not that far from what Iād be offering on it. 
My opinion: If itās a clean deal aside from the rate and itās local you could do a lot worse.
well its 525hp twin turbo v8. we all want what we want
Then go big and get an X5M!! M light cars are amazing but not when they cost almost as much as the real deal.
i think āalmost as muchā is fairly subjective
Not much you can do to make this lease better - $1200 of the $1500 payment is the depreciation due to very low residual of 49%. Iāve been leasing BMWās for years and a quick look at the residual will tell you all you need to know about the type of ādealā youāll be able to get - no way to make this look good, you need high-50ās/low-60ās to get a strong payment and BMW just isnāt going there these days on these. (FWIW - residual was 57% when I leased my 2020 M50- which resulted in much better payment! 
)
What are you basing that off of? X5 M50ās are not X5 40iās, they are very hard to come by. Lower supply on a car that is generally in demand usually means no huge discounts. I think Iād be happy with anything past 5% with buy rate money factor (IF I HAD to have this car), which is basically what this is.
this is precisely a want not need. i make six figures and live in the middle of nowhere oklahoma. living expenses are $800 a month lol. i have a 2018 x3 m40i with 105,000 miles. i was going to trade plus cash a x3m but at 9% interest it makes no sense.
but i cant say going from a $575 car payment to a $1565 car payment makes much sense either.
If youāre going to use this one just as much as the M40i, why not just finance a used one to help offset the depreciation hit?
If you drive that much a year, why not finance either a brand new 40i or a pre-owned M50i?
Thatās a lot of money for this car, IMO.
If you are looking for power, why not a Porsche Cayenne GTS? Go test drive one, if you can.
Any credit unions near you? Check out this LH resource. Shout out to Hershey.
At the end of the day, do you. If you can afford the monthly payment, insurance costs, gas, new tires (at some point), then who are we to tell you not to go for it.
It is your money.
Good suggestion on considering a used one. The lease program itself isnāt all that great so youāre not really better off leasing vs. buying. At that point you should ask yourself if youāre better off buying a new 2023 at ~$90k or a used 2022 for ~$80k or a 2021 for ~$70k. If you do drive a lot of miles, a 1-2 year old with CPO warranty might be better overall buy.
Maybe Iām weird but I could always technically āaffordā a lot more car than I would end up getting but when I started looking at 100K+ cars I only did it when I could write checks for them. Those payments/interest costs are nuts and I could never psychologically do! 
EDIT, itās all about running the numbers tho in various scenariosā¦lease MFs and RVs are generally high and low compared to the good old days. Haha
i think id be hard pressed to ever use a car this hard in 3 years again. 2 years ago i had to drive 58,000 miles to make $35,000 lol what a terrible financial run that was.
now i only commute 10 miles each way to work and im over a year into a 6 figure job. so i would just like to upgrade vehicles. something just a little nicer than what i already have so i was thinking x3m or x5 m50i. x3m doesnt sound like a great daily honestly and the x5 would have alot more space and honestly just be a more premium vehicle.
i started with looking at 2021 x5 m50i and it looks like $75,000 basically 80,000 with taxes. i got preapproved for $60,000. assume minimum down and maximum borrow its 9% interest. over 60 or 72 months its basically now a 95,000 car. id be in 10k equity and 10k cash and what probably $1,200 a month payment?
in 3 years i would be ready for a new vehicle and id roughly have (10k equity from current car + 10k downpayment + 43k in monthly payments or 63k total into a 2021 x5 m50i. it will be left being worth roughly $51,000. i will still owe lets say 35k.
im left with 16k in equity after spending 63k. so cost for 3 years would be $47,000.
roughly cost me $1,305 a month to own if were just talking the financing.
does that seem about right to everyone?
vs new lease
$1565 x 36 = 56,340 but no equity left.
so in summary
47k for 3 years to drive a 2021 x5 m50i +$16,00 in equity left to trade with
56k for 3 years to drive a 2023 x5 m50i + $0 equity to trade with
i think the simple side of my brains looks at it like well if a 2021 is 1,300 a month and a brand new one is 1,600 a month its +300 in expenses but its +$20,000 i keep in the bank.
but in 3 years when i have the equity, financing used does look to be a better option.
Hereās a $63k '21 M50i with less than 12k miles.
ya thats a wierd one. very cheap and very low miles. most are between 70-80k so im just speaking in relative figures the best i can. you think my math seems legit in that scenario?
There are quite a few around $70k.
Someone else can look closely at the numbers. However, I think you are making quite a few assumptions about resale value.